House Numbers
Loan Processing Terms

These Loan Processing Terms (the "Agreement") are entered into as of the Effective Date by and between House Numbers Inc., a Delaware corporation with an address of 1344 Disc Dr #1077, Sparks, NV 89436 ("Company"), and the mortgage loan originator designated in a separate document that incorporates this Agreement ("Originator"). Company and Originator may each be referred to herein as a "Party" and collectively as the "Parties."

1. SERVICES AND FEES
   1. Services. Company agrees to provide residential mortgage loan processing services to Originator (the "Services") as set forth in Exhibit B attached hereto.
   2. Fees. Originator agrees to pay Company for the Services as specified herein and in the Company’s loan intake form; Originator’s submission of the loan intake form indicates Originator’s acceptance of the fees therein at that time.
   3. Changes to Fees. Company may update the fees, and the lenders and loan types for which it will provide Services, at any time in its sole discretion. Any loans for which Services have already commenced will not be affected by any such changes, but such changes will apply to all new loans submitted to Company.
   4. Fee Payment and Disclosure. Originator shall ensure that Fees for Services are included in the Closing Disclosure and paid directly to Company at closing by the escrow agent. Originator agrees that Company's processing fee will be disclosed in compliance with the TILA-RESPA Integrated Disclosures Rule (TRID) and presented to the borrower(s) and lender for preparation of the Closing Disclosure. In cases where third-party fees are restricted, Originator shall ensure the closing agent deducts the loan processing fees from Originator's compensation and pays the processing fee directly to Company at closing. If the required Fees are not paid to Company at closing, then Company shall invoice Originator for any unpaid fees and Originator shall pay such invoice within 7 days of receipt.
   5. Conditional Approval Withdrawal Fee. In the event that Originator withdraws any loan file after it has achieved Conditional Approval but before the file has reached Clear to Close status, and the file ultimately closes with the lender, Company shall be entitled to receive half of the Fees. Company will invoice Originator for this fee, which shall be due 10 days from the date of invoice.

2. TERM AND TERMINATION

   1. Term. This Agreement shall commence on the Effective Date and continue for a term of one (1) year. The Agreement shall automatically renew for successive one-year terms unless either Party provides written notice of its intent not to renew at least thirty (30) days prior to the end of the then-current term.
   2. Termination for Convenience. Either Party may terminate this Agreement for convenience at any time upon thirty (30) days' prior written notice to the other Party. Upon termination, Company shall continue to provide Services for any in-process loans for a reasonable period of time. Originator's payment obligations under this Agreement shall survive termination, as shall confidentiality obligations and limitations on liability.

3. REPRESENTATIONS, DISCLAIMERS AND LIMITATION OF LIABILITY

   1. Representations and Warranties. Each Party represents and warrants that: (a) it has the full power and authority to enter into this Agreement and to perform its obligations hereunder; (b) the execution and performance of this Agreement does not and will not violate any agreement to which it is a Party or by which it is bound; (c) this Agreement constitutes a legal, valid, and binding obligation of such Party, enforceable against it in accordance with its terms; and (d) it has and shall maintain all state, federal and other licenses that are legally required for it to perform the services contemplated by this Agreement. Originator represents and warrants that it has all rights and consents necessary to provide Company with any information it provides hereunder, including borrower personal information and non-public financial documents.
   2. Non-Solicitation. Originator agrees that during the term of this Agreement and for a period of twelve (12) months thereafter, Originator shall not, directly or indirectly, solicit for employment, hire, or engage as an independent contractor any employee, contractor, or representative of Company who worked with or for the Company at any time during the period in which Company was providing any Services to Originator. If Originator breaches this provision, Originator agrees to pay Company, as liquidated damages and not as a penalty, an amount equal to one and one-half (1.5x) times the individual’s total annual compensation with Company (including base salary, bonuses, commissions, equity awards, and other compensation) as of the date of such hire or engagement.
   3. Disclaimer of Warranties. Company makes no other representations or warranties of any kind, whether express, implied, statutory, or otherwise, including without limitation any implied warranties of merchantability, fitness for a particular purpose, title, or non-infringement. All Services are provided on an "as-is" and "as-available" basis.
   4. Limitation of Liability. In no event shall either Party be liable to the other for any indirect, incidental, consequential, special, or punitive damages, including without limitation loss of profits or revenue, even if such Party has been advised of the possibility of such damages. Except as provided in the Non-Solicitation section above, the total liability of either Party arising out of or related to this Agreement shall not exceed the total fees paid and payable by Originator to Company during the six (6) months preceding the event giving rise to the claim.

4. CONFIDENTIALITY

   1. Definition of Confidential Information. "Confidential Information" means any non-public information disclosed by one Party ("Disclosing Party") to the other Party ("Receiving Party") under this Agreement, whether orally or in writing, that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure.
   2. Obligations of Confidentiality. Except as otherwise expressly permitted under this Agreement, each Party agrees to: (a) maintain the confidentiality of the Confidential Information of the other Party; (b) not use such Confidential Information except in connection with its rights and obligations under this Agreement; and (c) not disclose such Confidential Information to any third party.
   3. Carve-Outs. Notwithstanding the foregoing, Company may disclose Confidential Information to any parties participating in or involved with the mortgage loan transaction and performance of Services (e.g., borrower, co-borrower, escrow agent, title company, real estate agent, underwriter, etc.). Originator also acknowledges that Company provides any may continue to provide services to other brokers and lenders, which may be competitive with Originator.
   4. Permitted Disclosure and Use. Originator agrees that any information it provides, whether Confidential Information or not, may be used by Company to improve its processes and technology used to provide Services, including to develop, evaluate, and train artificial intelligence systems (machine learning, large language models, etc.).

5. ORIGINATOR RESPONSIBILITIES. Originator's responsibilities in connection with the Services are set forth in Exhibit A attached hereto. Company's provision of the Services is conditioned on Originator fulfilling its responsibilities.

6. MISCELLANEOUS. This Agreement shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles. This Agreement, including all exhibits hereto, constitutes the entire agreement between the Parties and supersedes all prior agreements, understandings, negotiations, and discussions, whether oral or written, of the Parties. This Agreement may be amended only by a written agreement executed by both Parties. Neither Party may assign its rights or obligations under this Agreement without the prior written consent of the other Party, except that Company may assign this Agreement to an affiliate or in connection with a merger or sale of all or substantially all of its assets or business without such consent. Any notice required or permitted under this Agreement shall be in writing and shall be delivered by hand, by certified mail, or by email to the addresses set forth below, or to such other address as may be provided by one Party to the other in writing. In the event that any provision of this Agreement shall be determined to be illegal or unenforceable, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and enforceable. In any action or proceeding to enforce rights under this Agreement, the prevailing party will be entitled to recover costs and attorneys’ fees.

7. UPDATES. Company may update this Agreement from time to time by posting an updated version on its website.

   Last updated: September 16, 2025

8. SMS OPT-IN. You consent to receive text messages from Company in connection with the Services at the mobile number(s) you provide Company. Consent is not a condition of purchase. Message & data rates may apply. You may reply STOP to opt out at any time. Company does not share your SMS opt-in or phone number for the purpose of SMS.